Annual Plan Summary Report

MIS – December-2020
Summary of Audit Plan for (4th Quarter - 2020)
Branch Audit IT Audit Management Audit Sharia Audit Total

105 8 17 7 137
r - 2020)
Implementation Progress Report

MIS – December-2020
Audit Plan Implementation YTD 2020
Description BRANCH AUDIT (MA) Branch Audit Credit Risk Review

Additional Assignment 0 0 7

Audit Postponed 0 0 0

Audit-In-Progress 0 25 6

Draft Audit Reports Issued 0 1 0

Final Audit Reports Issued 0 52 0

cember-2020
mentation YTD 2020
IT Audit Management Audit Quality Assurance SPECIAL REVIEW Sharia Audit

0 0 0 21 0

0 0 0 4 0

1 2 0 19 3

0 0 0 0 0

3 6 0 2 4
Shariah Audit - Working
Total
Paper
0 28

0 4

0 56

0 1

0 67
Audit Rating Report

Ratings of Audits ( 01 Jan 2020 - 31 Dec 2

Ratings Acceptable

Number of Audits 17

Ratings of Audits ( 01 Jan 2019 - 31 Dec 2

Ratings Acceptable

Number of Audits 12
20 - 31 Dec 2020)

Needs Weak Unrated Total

Improvement

39 6 3 65

19 - 31 Dec 2019)

Needs
Weak Unrated Total
Improvement

71 9 0 92
Issue Tracking Report

Summary of Audit Issues for the period (01 Jan 2020 - 31 Dec 2020)

DETAIL HIGH

New Issues Raised during the Period (01-JAN-20 - 31-DEC-20) 85

Issues Closed during the period (01-JAN-20 - 31-DEC-20) 15
Open Issues (01-JAN-20 - 31-DEC-20) 70

Summary of Previous Open Audit Issues as of 01 Jan 2020

DETAIL HIGH

Previous Open Issues 141

Issues Closed of Previous Period 0
Open Issues of Previous Period 141

Summary of Audit Issues for the period (01 Jan 2020 - 31 Dec 2020)

DETAIL HIGH
New Issues Raised during the Period (01-JAN-20 - 31-DEC-20) 85
Previous Open Issues 141
Total Issues 226
Issues Closed 15
Open Issues 211
0 - 31 Dec 2020)

MEDIUM TOTAL

722 807
376 391
346 416

01 Jan 2020

MEDIUM TOTAL

424 565
0 0
424 565

0 - 31 Dec 2020)

MEDIUM TOTAL
722 807
424 565
1146 1372
376 391
770 981
Aging Analysis Report

Aging Analysis of Open High Risk Issues raised by IAD

Themes On Track 1 - 90 Days
AML/CFT - Ongoing monitoring 0 0
Account Maintenance 0 0
CDD/KYC 0 0
Cheque Handling 0 0
Data Classification 0 0
Dual Control 0 0
IT/ITSRM 0 0
Job Rotation 0 0
KYC/CDD-New Client Onboarding 0 0
KYC/CDD-Periodic Review 0 0
Mandatory Leave 0 0
Others - Management 0 0
Others- Branch 0 0
Password Sharing 0 0
Remittances 0 0
Same Mobile number fed in more than one account 0 0
Service Level Agreement 0 0
Staff Mandatory Leave & Job Rotation 0 0
Treating Customers Fairly (TCF) 0 0
Total 0 0
AD
91 - 180 Days 180 and Above TOTAL
9 24 33
0 1 1
0 92 92
0 1 1
0 1 1
1 1 2
2 3 5
0 2 2
0 3 3
4 12 16
1 1 2
1 8 9
0 5 5
0 1 1
0 3 3
0 2 2
0 1 1
0 31 31
1 0 1
19 192 211
Aging Analysis Report

Aging Analysis of Open Moderate Risk Issues raised by IAD

Themes On Track 1 - 90 Days
AML/CFT - Ongoing monitoring 0 0
ATM Operations 0 0
Account Maintenance 0 0
Branch Security & Physical Access 0 0
CDD/KYC 0 0
Cash Operations 0 0
Cash and Vault Control 0 0
Cheque - Book Destruction 0 0
Cheque - Book Issuance 0 0
Cheque - Clearing & Collection 0 0
Cheque Book 0 0
Cheque Handling 0 0
Customer Instructions 0 0
Deceased Account 0 0
Deposits and Withdrawls 0 0
Disclosure to Stakeholders 0 0
Dormant Accounts 0 0
IT Service Delivery 2 0
IT/ITSRM 2 0
Income Leakage 1 0
Job Rotation 0 0
KYC/CDD-New Client Onboarding 0 0
KYC/CDD-Periodic Review 0 0
Key Performance Indicators 0 0
Leave Management 0 0
Mail Returned Undelivered / Whereabouts Unknown 0 0
Management Information 0 0
Mandatory Leave 0 0
Non-compliance with laws and regulations 2 0
Others - IT 1 0
Others - Management 1 1
Others- Branch 0 0
Password Sharing 0 0
Pensioner/Widow Accounts 0 0
Policy & SOPs 0 1
Quality Assurance 1 0
Remittances 0 0
Safe Deposit Locker 0 0
Same Mobile number fed in more than one account 0 0
Security Baselines 0 0
Shariah Non-compliance 3 0
Staff Mandatory Leave & Job Rotation 0 0
Suspense Account Monitoring 0 0
System Access Rights 0 0
Training 1 0
Vendor Management 0 0
Total 14 2
by IAD
91 - 180 Days 180 and Above TOTAL
10 30 40
2 9 11
16 141 157
3 18 21
0 70 70
0 5 5
0 3 3
0 1 1
3 6 9
0 2 2
0 2 2
0 12 12
2 25 27
0 3 3
2 9 11
1 0 1
11 75 86
0 1 3
1 32 35
0 0 1
1 1 2
0 2 2
6 18 24
0 1 1
0 1 1
6 7 13
0 1 1
0 2 2
0 0 2
0 10 11
0 54 56
0 9 9
0 8 8
2 4 6
0 2 3
0 0 1
4 10 14
3 29 32
10 33 43
0 1 1
1 6 10
0 1 1
0 5 5
1 15 16
4 0 5
0 1 1
89 665 770
Aging Analysis Report

Aging Analysis of Open Low Risk Issues raised by IAD

Themes On Track 1 - 90 Days
ATM Operations 0 0
Account Maintenance 0 0
BBA Accounts 0 0
Basic Banking Account 0 0
Branch Security & Physical Access 0 0
Cash Operations 0 0
Cash and Vault Control 0 0
Cheque - Book Issuance 0 0
Cheque Book 0 0
Cheque Handling 0 0
Customer Instructions 0 0
Deceased Account 0 0
Deposits and Withdrawls 0 0
Dormant Accounts 0 0
IT/ITSRM 0 0
Insurance 0 0
Leave Management 0 0
Minor Accounts 0 0
Others - IT 0 0
Others - Management 0 0
Others- Branch 0 0
Pensioner/Widow Accounts 0 0
Policy & SOPs 0 0
Remittances 0 0
Safe Deposit Locker 0 0
Staff Mandatory Leave & Job Rotation 0 0
Strategy and Decision Making 0 0
Suspense Account Monitoring 0 0
System Access Rights 0 0
Training 0 0
Vendor Management 1 0
Total 1 0
AD
91 - 180 Days 180 and Above TOTAL
0 7 7
0 61 61
0 3 3
0 1 1
1 4 5
0 4 4
0 3 3
7 12 19
0 3 3
0 4 4
0 7 7
1 1 2
1 4 5
1 4 5
0 3 3
1 0 1
1 4 5
0 3 3
0 2 2
1 37 38
0 1 1
2 0 2
0 1 1
0 7 7
3 31 34
0 2 2
0 1 1
3 2 5
0 2 2
1 0 1
0 0 1
23 214 238
Audit Ratings Report

Audit Ratings Issued during the Period (4th Quarter - 2020)

HEAD OFFICE FUNCTIONS, BRANCHES & SHARIAH AUDITS

Current Audit Previous Audit

Audit Group Audit Title / Hub / Function
Rating Rating

Branch Audit 143-MACHS Kar-South-South-RBG - 2020 - Regular Needs Improvement

Branch Audit 178-Shadman B-Central I-Central I-RBG - 2020 - Regular Needs Improvement

Branch Audit 179-Shahalam-Central I-Central I-RBG - 2020 - Regular Acceptable

Branch Audit 180-Urdu Baza-Central I-Central I-RBG - 2020 - Regular Acceptable

Branch Audit 184-Westridge-North-North-RBG - 2020 - Regular Needs Improvement

Branch Audit 188-Ichra Bra-Central I-Central I-RBG - 2020 - Regular Acceptable

Branch Audit 196-Saba Aven-South-South-RBG - 2020 - Regular Needs Improvement

Branch Audit 213-F 8 Marka-North-North-RBG - 2020 - Regular Unrated

Branch Audit 218-Nila Gumb-Central I-Central I-RBG - 2020 - Regular Needs Improvement

Branch Audit 230-Sukkur-South-South-RBG - 2020 - Regular Weak Weak

Branch Audit 281-Tariq Roa-South-South-RBG - 2020 - Regular Needs Improvement

Branch Audit 292-Ghotki-South-South-RBG - 2020 - Regular Acceptable

3016-IBB Baghb-Islamic - Central I-Islamic - Central I-RBG -

Branch Audit 2020 - Regular Acceptable

Branch Audit 3025-IBB Allam-Islamic - Central I-Islamic - Central I-RBG - Acceptable

2020 - Regular

Branch Audit 3033-IBB Circu-Islamic - Central I-Islamic - Central I-RBG - 2020 Acceptable
- Regular

Branch Audit 3037-IBB Raiwi-Islamic - Central I-Islamic - Central I-RBG - Needs Improvement
2020 - Regular

3038-IBB Z Blo-Islamic - Central I-Islamic - Central I-RBG - 2020

Branch Audit - Regular Weak
 3040-IBB Qarta-Islamic - Central I-Islamic - Central I-RBG -
Branch Audit Needs Improvement
2020 - Regular

3151-IBB Plaza-Islamic - South-Islamic - South-RBG - 2020 -

Branch Audit Unrated
Regular

3152-IBB G 11-Islamic - North-Islamic - North-RBG - 2020 -

Branch Audit Regular Weak

3164-IBB Chowk-Islamic - Central I-Islamic - Central I-RBG -

Branch Audit 2020 - Regular Needs Improvement

3165-IBB LDA-Islamic - Central I-Islamic - Central I-RBG - 2020

Branch Audit Needs Improvement
- Regular

Branch Audit 3168-IBB Schem-Islamic - North-Islamic - North-RBG - 2020 - Needs Improvement

Regular

3173-IBB Khaya-Islamic - Central I-Islamic - Central I-RBG -

Branch Audit 2020 - Regular Needs Improvement

3187-IBB Jacob-Islamic - South-Islamic - South-RBG - 2020 -

Branch Audit Needs Improvement
Regular

Branch Audit 3189-IBB Clift-Islamic - South-Islamic - South-RBG - 2020 - Needs Improvement

Regular

3190-IBB Seher-Islamic - South-Islamic - South-RBG - 2020 -

Branch Audit Acceptable
Regular

3196-IBB Secto-Islamic - North-Islamic - North-RBG - 2020 -

Branch Audit Needs Improvement
Regular

Branch Audit 3202-IBB Ayubi-Islamic - Central I-Islamic - Central I-RBG - Needs Improvement
2020 - Regular

Branch Audit 3206-IBB Rajan-Islamic - Central II-Islamic - Central II-RBG - Needs Improvement
2020 - Regular

3207-IBB Soldi-Islamic - South-Islamic - South-RBG - 2020 -

Branch Audit Needs Improvement
Regular

3209-IBB Dunya-Islamic - Central II-Islamic - Central II-RBG -

Branch Audit Acceptable
2020 - Regular

Branch Audit 3210-IBB Mails-Islamic - Central II-Islamic - Central II-RBG - Needs Improvement
2020 - Regular

3217-IBB Panjg-Islamic - South-Islamic - South-RBG - 2020 -

Branch Audit Needs Improvement
Regular

Branch Audit 3219-IBB Sharkargarh-Islamic - Central I-Islamic - Central I- Needs Improvement

RBG - 2020 - Regular

3220-IBB Chak-Islamic - Central II-Islamic - Central II-RBG -

Branch Audit 2020 - Regular Needs Improvement

Branch Audit 3223-IBB Gulsh-Islamic - South-Islamic - South-RBG - 2020 - Needs Improvement

Regular

Branch Audit 3227-IBB Jahan-Islamic - Central II-Islamic - Central II-RBG - Needs Improvement
2020 - Regular

Branch Audit 3229-IBB Sunda-Islamic - Central I-Islamic - Central I-RBG - Acceptable

2020 - Regular

3230-IBB Tauns-Islamic - Central II-Islamic - Central II-RBG -

Branch Audit 2020 - Regular Acceptable

Branch Audit 3231-IBB Jalal-Islamic - Central II-Islamic - Central II-RBG - Needs Improvement
2020 - Regular
 3233-IBB Pir M-Islamic - Central II-Islamic - Central II-RBG -
Branch Audit Needs Improvement
2020 - Regular

3234-IBB Sagiy-Islamic - Central I-Islamic - Central I-RBG -

Branch Audit Needs Improvement
2020 - Regular

3243-IBB Johar-Islamic - South-Islamic - South-RBG - 2020 -

Branch Audit Regular Needs Improvement

3244-IBB Khurr-Islamic - Central II-Islamic - Central II-RBG -

Branch Audit 2020 - Regular Acceptable

3246-IBB Jalal-Islamic - Central I-Islamic - Central I-RBG - 2020

Branch Audit Acceptable
- Regular

Branch Audit 3247-IBB Khich-Islamic - Central I-Islamic - Central I-RBG - Acceptable

2020 - Regular

3250-IBB Gulia-Islamic - Central I-Islamic - Central I-RBG -

Branch Audit 2020 - Regular Acceptable

3251-IBB Kotla-Islamic - Central II-Islamic - Central II-RBG -

Branch Audit Weak
2020 - Regular

Branch Audit 459-Valancia-Central I-Central I-RBG - 2020 - Regular Needs Improvement

Branch Audit 461-PIA Town-Central I-Central I-RBG - 2020 - Regular Acceptable Needs Improvement

Branch Audit Hammad Testing 27th Aug Unrated

IT Audit 8006-IT-Operations-HeadOffice-ITSD - 2020 Needs Improvement

IT Audit 8007-UAT Envir-Head Office-E-Banking-RBG - 2020 Needs Improvement Needs Improvement

IT Audit 8099-IT-IT-HeadOffice-DataClas - 2020 Needs Improvement

8080-FinancialControlUnit-FinancialControlUnit-HeadOffice-
Management Audit Weak Needs Improvement
RelatedP - 2020

Management Audit 8086-Retail-Unsecured-South-Central-North-CF - 2020 Needs Improvement Needs Improvement

Management Audit 8092-RiskManagement-CAD-South-Central-North-CADCF- - Weak

2020

Management Audit 8099-Retail-Alliances-HeadOffice-CF - 2020 Acceptable

Management Audit 8100-RiskManagement-CIU-South-Central-North-CreditAp - Needs Improvement

2020

Management Audit Financial Institution Group Audit 2020 Needs Improvement

Sharia Audit 8024-Quarterly-Pool Management- Q1-2020 Needs Improvement

Sharia Audit 8031-Quarterly-Head Office-Islamic Banking-RBG - 2020 Needs Improvement

Sharia Audit 8035-Quarter 2-Branch Audit Needs Improvement

Sharia Audit Sharia Audit Trade Finance Operations - 2020 Needs Improvement
High Risk Moderate Risk
Remarks
Issues Issues

2 12

1 12

2 16

2 17

3 26

1 14

2 21

1 0

2 20

AML / CFT guidelines with regards to ongoing monitoring are not followed
by branch.
Same personal mobile number fed in system in more than one account as
4 17
main contact number of customers.
KYC, CDD process with regards to periodic review is not effective.

2 25

4 22

3 19

2 22

3 20

3 20

KYC, CDD and transaction monitoring process is not effective

HR policy with regards to staff job rotation is not effectively followed by
2 11 front office staff
0 14

1 22

KYC, CDD & transaction monitoring process is not effective

1 10

1 17

2 16

2 14

0 16

2 19

0 18

1 24

2 18

2 21

1 7

2 6

1 5

1 6

1 12

0 5

1 5

0 8

0 7

0 4

1 4

1 4
0 3

1 6

1 7

0 5

0 3

0 5

1 6

0 6

3 21

4 22

0 0

0 4

2 1

2 2

0 4

0 3

Excess mark-up rates charged to Personal Instalment Loan (PIL) customers

1 0 (High)

0 2

0 3

0 7

0 3

0 2

0 2

0 4
CRR Audit Ratings Report

Ratings - Issued Reports after last BACGC Meeting CRR

Ratings
Region
Current Review
tings

Last Review
CRR Downgrades Report

ORR down grades - Issued Reports after last BACGC Meeting - CRR

Limit (F+NF) Outstanding (F+NF) Down Graded ORR

Sr No. Review Reference Borrower Name (Amount in Millions (Amount in Millions From
of Rupees) of Rupees)
aded ORR
To Remarks
CRR Issue Followup Report

Compliance Status of CRR Observations - CRR

CLOSED DURING LAST QUARTER Group

Ageing of the Outstanding Observations

Group Sub Group 1 - 90 Days

Total null
ations - CRR

Sub Group Closed Issue Total

ervations

1 - 90 Days 91 - 180 Days 180 and Above TOTAL

null null null
IA Repeated (Critical/ High) Issues Report

IA Repeated (Critical/ High) Issues on Finalized Reports (4th Quarter - 2020)

# Repeated Audit Issues Themes

KYC, CDD & Transaction monitoring process is not
1 AML/CFT - Ongoing monitoring
effective

KYC, CDD process with regards to periodic review is

2 KYC/CDD-Periodic Review
not effective
Quarter - 2020)

Branches /Department

143-MACHS Kar-South-South-RBG

461-PIA Town-Central I-Central I-RBG